The Guardrail Reset: An Economist's Guide to When Protection Changes Behavior

Book 15 in T. Rose's Qualogic Learning Reset series — a 12-page economist's guide to noticing when a safety net quietly changes how carefully you behave.

This guide covers moral hazard — why deductibles, co-pays, and waiting periods exist, and how to design around the temptation protection creates.

Inside, you'll learn:

• The risk-compensation hook, and the ex-ante vs. ex-post moral hazard distinction
• Why deductibles, co-pays, and waiting periods exist in the first place
• How to design around moral hazard — keeping skin in the game and fixing the incentive, not the person — grounded in National Flood Insurance data where ~1% of insured properties account for nearly 30% of all claim payments

Includes the 7-Day Guardrail Reset action plan. Instant PDF download, 12 pages.